All pets are different, which is why we offer a variety of pet insurance cover options.
From Basic (Time Limited) to Premier (Lifetime) cover, learn the key differences to help you pick the best cover for your dog or cat.
What is pet insurance?
To put it simply, having pet insurance helps you with vet costs if your dog or cat gets ill or is injured.
Depending on your plan, you can also choose extra cover options. For example, Lost and Found cover can help with the costs of finding your dog or cat if they go missing.
What does pet insurance cover?
This will depend on what type of cover you choose. Generally, having pet insurance can give you some peace of mind with:
- Vet fees for accidents or illness
- If your pet damages your or someone else's property, or causes injury
You can also choose a type of insurance that will provide cover for
- Emergency boarding
- If your cat or dog goes missing
- When your pet is abroad
- Complementary treatment
- Farewell cover
What usually isn't covered by pet insurance
- Accidents that occur before or within the first 48 hours of the policy start date
- Any pre-existing medical conditions
- Any changes you or your vet notice in the health of your pet before the policy started
- Any illnesses your pet has in the first 14 days of your cover start date
What types of pet insurance are there?
We offer 3 levels of dog and cat insurance to choose from with MORE THAN. These are Basic, Classic and Premier. The choice you make will depend on the needs of you and your pet.
Basic pet insurance
This cover type is also known as Time Limited cover. Basic pet insurance covers your pet for each new accident or illness within a defined period. This will either be for 12 months from the first date of treatment or until your chosen vet fee limit is reached, whichever happens first.
Our Basic cover includes:
- Vet fees: you can claim up to £1,500 or £3,000, depending on your chosen vet fees limit
- Accidental damage: you can claim up to £500 if your or someone else's property is damaged by your pet
- Third party liability: you can claim up to £1 million cover if your dog causes injury to someone. Find out what exclusions may apply
- Emergency boarding: if you're in hospital for more than 4 days in a row, you can claim up to £1,000 for pet boarding costs
Dental: if damaged by an accident
Lost and Found, Pets Abroad and Farewell cover aren't included as standard, but can be added to your policy.
Classic pet insurance
This cover type is also known as Maximum Benefit pet insurance. Classic pet insurance covers vet fees up to your chosen vet fee limit for each new accident or illness. There is no time limit in which you can use your vet fee limit.
Our Classic cover includes:
- Vet fees: you can claim up to £4,000 or £8,000, depending on your chosen vet fees limit
- Accidental damage: you can claim up to £1,000 if your or someone else's property is damaged by your pet
- Third party liability: you can claim up to £2 million cover if your dog causes injury to someone. Find out what exclusions may apply
- Lost and found: if your pet goes missing, you can claim towards the cost of advertising or offering a reward (up to £1,000)
- Emergency boarding: if you're in hospital for more than 4 days in a row, you can claim up to £1,000 for pet boarding costs
- Dental: if damaged by an accident
- Pets abroad: healthcare and emergency expenses in some European countries (up to vet fee limit)
Farewell cover isn't included as standard, but can be added to your policy.
Premier pet insurance
This cover type is also known as Lifetime cover. Premier pet insurance covers your pet’s accidents as well as one-off, re-occurring and ongoing illnesses. As long as you renew your policy with no break in cover, the vet fee limit is reinstated each year.
Our Premier pet insurance includes:
- Vet fees: choose from up to £1,000, £2,000, £4,000 or £6,000 for each accident or illness in each period of insurance. There is no limit to the number of accidents or illnesses you can claim for
- Accidental damage: you can claim up to £2,000 if your or someone else's property is damaged by your pet
- Third party liability: you can claim up to £3 million cover if your pet causes injury to someone. Find out what exclusions may apply
- Lost and found: if your pet goes missing, you can claim towards the cost of advertising or offering a reward (up to £1,000)
- Emergency boarding: if you're in hospital for more than 4 days in a row, you can claim up to £1,000 for pet boarding costs
- Pets abroad: healthcare and emergency expenses in some European countries (up to your vet fee limit)
- Dental care: up to £2,000 for accidents and illnesses. Your pet must have a dental check every 12 months
- Treatment food: up to £500 for food developed to treat your pet's medical conditions
- Farewell cover: up to a £200 limit. This includes the costs if your pet is put to sleep by a vet and also fees for cremation or burial
Lost and found pet cover
If you’re worried about where your dog or cat has ventured off to, we can help. You’ll be able to claim for the costs of advertising that they’re missing or if you offer a reward for their safe return. A maximum limit of £1,000 applies.
This cover is included with Classic and Premier pet insurance. It can be added to a Basic pet insurance policy for an additional fee.
Pets abroad cover
For adventurous owners and their pets, pets abroad cover may be just what they need. This covers healthcare or emergency expenses in certain European countries. It applies up to the vet fee limit on the policy.
This cover is included with Classic and Premier pet insurance. It can be added to a Basic pet insurance policy for an additional fee.
Do I need to insure my pet in the UK?
Although it's not a legal requirement in the UK, pet insurance can help with unexpected costs. This can give you peace of mind that vet bills are taken care of if anything should happen to your pet.
